Hi, I am looking for some advice to try to attempt a default removal, if this stays on my credit file then I am looking at August 2020 before it falls off

The balance owing is £509.52, this is made up of £300 in interest charges that they have added since the account was open in 2013. The last lot of interest was added in September 2013 of £97 on a balance at the time of £441!!

I have written and complained but they will not write off the debt and have said that the balance owed is outstanding and needs to be paid. I have today received a copy of an unsigned credit agreement and the letter that was sent issuing a default notice (this I never received).

Could someone point me in the right direction of what the next steps are please, in an ideal world I want the Default removed, but appreciate this may not be possible.

I will upload the documents this evening, but just wanted to get the ball rolling - is there a letter template of irresponsible lending perhaps that I could use please?

Thanks in advance

Here You Go

The amount they are asking for amounts to a hell of a lot more then it should...

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=70679

Fantastic thank you, will start the process Fingers crossed!

Cant Gaurentee that you will get the default removed however you may get a lot taken off the balance...

Would you mind posting up letters minus personal info... ?

Would you mind posting up letters minus personal info... ?

As promised - I will put together a letter as well and put that up before sending (just to make sure everything is covered)

All attached, pretty sure I have deleted all the personal info and any advice, as always, appreciated

Trying again with the attachment, all on one PDF

Default Notice.pdf

complaint reply.pdf

CCA return.pdf

so that's not your account number on line 1?

I give up, I thought this place was a site for help not criticism every time I put something up on here or make a thread to ask for assistance! It's not been just this thread, there have been others where I am just criticised every single time instead of someone helping!

Don't worry Jo...

We are not criticising you

We can see the attachments... take a look tomorrow

Don't go anywhere

sorry we are trying to protect your identity

which is why I asked the question?

i'll go remove that number is simple to do ..

sorted the docs in post 7

cant see how they can refuse your complaint

off to the fos now on that one for sure

the agreement looks enforceable

the default is complaint as far as the dates go but if the layout is compliant we don't know but that's not really a big issue on its own.

but that should go if the FOS agree with your IRL complaint.

dx

DN is not correct - Its for Clearaccount and not for Safety Net Credit...

Sorry for my little rant back in Feb, I was going through a tough time with a close friend dying and combined with trying to sort out my miserable looking credit file I took it out on you guys

Dragging my tail between my legs as I write this

Apologies

so what doesn't bother us at all...

did you move this on to the FOS then?